Getting started with Shopify Credit – Eligibility, application, and account management

Shopify Credit is a business Visa charge card that requires full payment of the balance. Your Shopify Credit card is accepted by any merchant or business that allows Visa transactions, except for prohibited categories. Shopify Credit doesn't permit transactions equivalent to cash, such as cash advances, money orders, wire transfers, or gambling transactions.

Upon approval and account setup, you'll have immediate access to a virtual Shopify Credit card for your convenience. Additionally, you have the option to request a physical card, which will be delivered to you within 5-8 business days.

Check eligibility and apply for Shopify Credit

Eligibility for Shopify Credit is primarily based on several factors, including your business's performance rather than your personal credit score.

To determine if you're eligible for Shopify Credit, check your Shopify admin. If you're eligible, then you can apply for Shopify Credit.

Requirements for Shopify Credit

To use Shopify Credit, you need to meet the following minimum requirements:

  • You must be at least 18 years of age.
  • A valid United States Social Security Number (SSN) is required. Your SSN is used only to verify your identity. Your credit score isn't affected.
  • Shopify Payments must be set up or activated when signing up for Shopify Credit.
  • Only one account owner is permitted for Shopify Payments, and the business must be operated by a single owner. This requirement doesn't limit eligibility strictly to sole proprietorships. Multi-owner businesses can’t apply for Shopify Credit.
  • The store owner must have a physical personal address in the United States or Puerto Rico. Other United States territories aren't supported.
  • The store must be based in the United States or Puerto Rico. Other United States territories aren't supported.
  • You must have two-step authentication activated.
  • You must be on any Shopify plan except for Shopify Plus.

These requirements aren't exhaustive and additional criteria may apply for eligibility.

Applying for Shopify Credit and its impact on Shopify Capital

If you apply for Shopify Credit or are currently using Shopify Credit, then you may also be eligible for Shopify Capital offers. However, if you’re currently using Shopify Capital or have an application in progress, then you’re ineligible to apply for Shopify Credit. Any existing Shopify Capital offers will be revoked upon your application for Shopify Credit. You’ll need to wait for a new offer from Shopify Capital before you can apply for funding.

Factors influencing eligibility and offers

Eligibility and offers for both Shopify Capital and Shopify Credit are based on various factors, including your business performance. These criteria are subject to change and eligibility is never guaranteed.

Consequences of delinquency on Shopify Credit

If your Shopify Credit account becomes delinquent, you fail to pay your statement balance when due, or are otherwise in violation of the Shopify Credit Issuing Bank Terms or the Shopify Credit Program Terms, then you won't be eligible for Shopify Capital offers. Furthermore, any active Shopify Capital funding will become immediately due and payable if you’re in violation of the Shopify Credit Issuing Bank Terms or the Shopify Credit Program Terms.

Applying for Shopify Credit

If your store is eligible to apply for Shopify Credit, then a displays message on the Home page of your Shopify admin. If you don't receive a message from Shopify, then your store is currently ineligible to apply for Shopify Credit. However, you can join the waitlist from the Shopify Credit offer page.

Apply for Shopify Credit

  1. From your Shopify admin, go to Finances > Credit.
  2. Click Apply now.
  3. Review your personal information to ensure that it's correct, and then click Verify.
  4. Enter your SSN, and then click Confirm.
  5. Carefully review the Shopify Credit Program Terms.
  6. Click Submit application.

Post-application requirements

After you submit your application, if approved, your Shopify Credit account and virtual business card are created. To access your account and start using your card, finish setting up your account.

Post-application, if additional information is required, then you'll be notified by email. This information must be provided within 30 days, or your application will be closed. Upon approval, complete your account setup to start using your virtual business card.

Update the information for your business or account representative

To update the information for your business or the account representative, use Shopify's virtual Help Center Assistant. The Help Center Assistant is currently only available in certain regions and is English only.


  1. Go to
  2. In the chat, type I need to speak with someone to update my business information for my Shopify Credit application.
  3. Click Select a store.
  4. Select the store that you need assistance with.
  5. Click Chat with a Support Advisor.

Complete your account setup

  1. From your Shopify admin, go to Finances > Credit.
  2. Review whether you have 2SA activated for your account. 2SA is required to access all the features of Shopify Credit, so if you aren't already using 2SA, then click Set up two-step authentication.
  3. Review how payments are debited and confirm your connected bank account information. This is the same bank account connected to your Shopify Payments account.
  4. Optional: Add your virtual business card number to your mobile wallet. If you want to skip this step, then click Skip this task.
    1. Click View card numbers to reveal your card's number, expiry date, and CVV.
    2. Add your card information to your mobile wallet.
  5. Optional: Order a physical Shopify Credit business card. If you want to skip this step, then click Skip this task.
    1. Enter your shipping information.
    2. Click Order physical card.
  6. Click Finish setup.
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